Dental crowns are essential for restoring damaged or weakened teeth, but many people wonder, how much is a dental crown with insurance? The cost of a crown can vary based on factors like the type of crown, location, and insurance policy details. In this article, we’ll explore the dental crown cost with insurance and provide insights into managing expenses and understanding your coverage.
Understanding the Price of a Dental Crown With Insurance
The price of a dental crown with insurance can range significantly depending on your insurance plan and the type of crown. Generally, insurance policies cover between 50% and 80% of the cost of a crown procedure with insurance after meeting any deductibles. Here’s an estimate of average costs with insurance:
- Porcelain-fused-to-metal crown: $500 – $1,500 with insurance coverage
- All-porcelain or ceramic crown: $600 – $1,600 with insurance
- Metal crown: $500 – $1,300 with insurance
- Zirconia crown: $700 – $1,800 with insurance
These prices reflect the average cost of a dental crown for insured patients, but exact costs will depend on your insurance policy and coverage terms.
Factors Affecting Dental Crown Price With Insurance
Several factors influence how much for a crown with insurance, including:
- Type of Crown: Porcelain-fused-to-metal crowns and zirconia crowns are generally more expensive than metal-only crowns, but many insurance plans cover a portion of each type.
- Location: Dental costs vary based on location, with urban areas typically having higher fees than rural areas.
- Insurance Coverage Details: Your insurance policy may cover a percentage of the procedure cost or set an annual maximum, impacting out-of-pocket expenses.
- Dentist’s Fees: Some dentists may charge more for crown procedures, affecting the overall dental crown expenses with insurance coverage.
Types of Crowns and Insurance Coverage
There are several types of crowns available, each with unique features and pricing. Understanding types of crowns and insurance coverage can help you select a crown type that balances durability, appearance, and cost.
- Porcelain-fused-to-metal crowns are durable and commonly covered by insurance, making them a popular choice.
- All-porcelain or ceramic crowns provide a natural look, especially for front teeth, and are often covered partially by insurance.
- Metal crowns are less common for visible teeth but can be durable and cost-effective.
- Zirconia crowns are strong, natural-looking, and often partially covered by insurance.
Dental Crown Co-Pay and Out-of-Pocket Costs
The dental crown co-pay and out-of-pocket costs will vary based on your insurance coverage. After the deductible, many insurance plans cover a portion of the crown cost, leaving the patient to pay the remaining balance. Check with your provider to understand co-pays and the annual maximum for crown procedures to estimate your total expenses.
Affordable Crown Options With Insurance
If you’re looking for affordable crown options with insurance, consider comparing quotes from different dental practices, asking about payment plans, or opting for a more cost-effective crown material. Some insurance providers offer preferred networks with discounted rates, which can help reduce out-of-pocket costs.
FAQ
1. How much is a dental crown with insurance?
The cost can range from $500 to $1,800, depending on the type of crown, insurance coverage, and other factors.
2. What types of crowns are covered by insurance?
Most insurance plans cover porcelain-fused-to-metal, ceramic, and metal crowns, although coverage may vary for more expensive options like zirconia crowns.
3. How much of the dental crown cost does insurance cover?
Insurance typically covers 50% to 80% of the cost after meeting any deductibles, though this varies by plan.
4. Are there affordable crown options with insurance?
Yes, using preferred provider networks, comparing quotes, and selecting standard crown materials can help make crowns more affordable with insurance.
5. What factors affect the price of a dental crown with insurance?
Factors include the type of crown, dentist’s fees, location, and specific insurance coverage details.
